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Your Dentist Explains Dental Insurance to Get a Healthy Smile

November 18, 2018

Filed under: Uncategorized — indianapolisteam @ 12:54 am

dental insuranceThe foundation for a healthy smile relies on your oral hygiene habits and the care you receive from your dentist. In addition to brushing and flossing, the American Dental Association recommends you have a cleaning and checkup at least twice a year. Unfortunately, one-third of Americans did not schedule a visit last year. Often, the fear of a large bill stops many from seeing their dentist. Thankfully, you have dental insurance, which allows you to get the services you need for discounted rates.

Get a Healthy Smile Today

Dental insurance is designed to prevent oral health issues from occurring in the first place. By keeping your teeth and gums healthy, it reduces your long-term costs for care. For every $1 you spend on prevention, it can save you $8 to $50 on emergency and restorative services.

To make it easy to see your dentist, you pay your monthly premiums for your coverage. This allows you to enjoy the preventive services you need for no out-of-pocket expense or for a small co-payment.

Even with the best prevention, complications can still occur. To quickly rehabilitate your oral health, you are given a yearly allowance to use toward restorative procedures. After paying your deductible, your insurance can pay as much as 80% of restorative treatments, like dental fillings. In some cases, you can even use your benefits for cosmetic dentistry if they also improve the health of your teeth.

To maximize the value of your coverage, it is recommended you choose a dentist who is in your network. This means they have pre-negotiated rates with your insurance company to reduce the amount you need to pay. You still have the freedom to visit an out-of-network dentist, but you will need to pay the difference between the dentist’s fees and your insurance’s allowable coverage.

At the end of the year, your dental benefits expire. They do not carry over for accumulation. You will need to enroll in your dental plan again to enjoy the same coverage at the start of the new year.

No Insurance? No Problem!

If you do not have dental insurance, you can still get the services you need using an in-house savings plan from your dentist. For a low yearly or monthly rate, you can enjoy the preventive services you need to keep your teeth and gums healthy. This allows you and your loved ones to visit the dentist twice a year for a cleaning and checkup without having to worry about an unexpected bill.

Enjoy Affordable Care

If you have not been to your dentist in the past 6 months, stop putting your oral health at risk. Get the healthy smile you deserve for affordable rates using your insurance or an in-house savings plan.

About Dr. Mark M. Farthing

Dr. Mark M. Farthing strives to provide affordable dentistry to his patients. He is in-network with many leading insurance carriers and offers in-house savings plan to ensure nothing stands in your way of a healthy smile. If you need a cleaning and checkup, contact our office today for an appointment.

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